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Environmental and social risk integrated in overall credit risk assessment framework; 444 metro urban branches recertified for ISO 14001:2015

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Environmental Accounting and Management System

RobecoSAM-DJSI Sustainability Yearbook 2018

YES BANK is the only Indian bank to be included along with 41 global banks in the RobecoSAM-DJSI Sustainability Yearbook’s 2018 edition. This selection indicates that YES BANK’s ESG (Environmental, Social and Governance) performance is within 30% of the top-performing banks worldwide, which is a true testament to bank’s lazer-sharp focus on corporate governance, risk management, prioritizing ESG performance and mainstreaming sustainability in the Indian banking sector, through cutting edge solutions in climate and environmental finance and community impact.

There were 478 companies from 43 countries that featured in 2018 edition of ‘The Sustainability Yearbook’. The selection is based on its RobecoSAM’s Corporate Sustainability Assessment (CSA) 2017, an ESG analysis of over 2,479 listed companies, leading to the composition of Dow Jones Sustainability Index.

RobecoSAM is an investment specialist focusing exclusively on Sustainability Investing (SI) for over 22 years has been publishing this yearbook since 2008, with USD 20 billion of assets under management. The CSA data is also included in USD 122 billion of assets under management at Robeco, its sister company.

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ISO 14001:2004 Certification for branches

The ISO 14001:2004 is a voluntary standard developed by the International Organization for Standards (ISO) that sets out the criteria for an environmental management system (EMS). An ISO 14001:2004 provides assurance to company management, employees and external stakeholders that environmental impact is being monitored and measured in an organization.

In 2004, YES BANK became the first bank in India to qualify for ISO 14001:2004 Certification for its 12 locations, which include major branches and corporate offices. Given its commitment to environment and conservation, this certification enabled the Bank to rigorously measure, manage and report its carbon footprint.

In 2017, YES BANK successfully completed ISO 14001:2015 recertification for as many as 444 metro urban branch locations by implementing the globally recognized Environmental Management System. With this, the BANK continued to set a benchmark in the industry for environmental sustainability.


Energy Management efficiencies

In FY 2015- 16, YES BANK initiated some important energy management initiatives to be implemented over a two year period, aimed at reducing energy consumption by 15%-20% at all its facilities. Key initiatives include:

  • Installation of energy intelligence software for dynamic consumption monitoring across facilities, which is expected to result in 5%-7% cost savings. With a successful pilot study conducted at select branches during the reporting period, the Bank aims to implement this across its branch locations in a phased manner till 2017
  • Testing of retrofit solutions for HVAC systems, of which those with a potential saving of 10%-15% would be incorporated in a phased manner over two years
  • Incorporation of LED lighting at select locations. As transition to LED presents a huge potential for cost and consumption savings, it would be taken up for implementation at all facilities in a phased manner. As on March 31, 2016, 2,812 LED lights have been installed at corporate office locations, with a potential saving of 2,02,870 kwh of energy consumption and INR 16.5 lakh in monetary savings annually
  • The Bank is currently conducting feasibility studies for rooftop solar energy generation at select branches

In addition, the bank has several key on-going initiatives targeting energy conservation and efficiency, including SEMS (off-site ATM monitoring system), password based printing, LED signage at branches and locations, installation of motion sensors at select locations, increased usage of video-conferencing to reduce employee travel and improved record management at branches.


Continuous Evolution through learning

YES BANK focuses on internal capacity building in the environmental sustainability domain by creating a learning environment for its employees. Among many other initiatives towards climate change mitigation, the bank has also taken considerable steps to reduce its own carbon footprint. To achieve this, the bank has designed a series of e-learning modules which each employee has to attend mandatorily. The modules educate the employees as to how they can make environmentally responsible decisions in their daily activities like reduction in paper consumption, using clean water wisely etc. Other initiative like knowledge sessions by reputed industry leaders and intra knowledge transfer sessions within teams also help the bank move towards a common goal of mitigating environmental risks.

The table below shows the performance of the bank over the years in the following environmental parameters:



FY 2015-16

FY 2014-15

FY 2013-14

FY 2012-13

Scope 1 Emissions – Diesel






Scope 1 Emissions – Refrigerant##






Scope 2 Emissions#






Total Emissions (Scope 1+2)






Scope 3 Emissions**






Diesel Consumption






Grid Electricity Consumption






Total employees as on March 31






Scope 1 & 2 emission intensity per employee






% Reduction Y-o-Y






* Diesel and Grid Electricity Consumption and related Emissions have been updated with the actual numbers for March 2016. In the Bank’s Sustainability Disclosures, included in the Annual Report 2015-16, the Bank had taken extrapolated data for March 2016 basis of the average of previous 11 months data        

** Scope 3 includes Business Air Travel by the employees

# Grid Electricity Consumed has been calculated from the electricity bills for all locations, hence a 15% reduction in the calculation has been considered to account for Government taxes and overheads

## Scope 1 emissions include CO2, N2O and CH4 emissions from YES BANK’s diesel usage and 10% refrigerant leakage from the AC systems. The emission factors and GWP (Global Warming Potential) values have been taken from GHG protocol. The cost of diesel consumed pan bank is converted in quantities consumed by using state level diesel prices. Like 2012-13 (base year), we have used operational control approach for measuring and managing these emissions.

Note: Scope 2 emissions include CO2 emissions from electricity consumed by YES BANK. The emission factors have been taken from CEA’s (Central Electrical Authority) CO2 database, version 10. The cost of electricity consumed pan bank is converted in quantities of electricity consumed by using state level tariffs. Like 2012-13 (base year), we have used operational control approach for measuring and managing these emissions.

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